Fire Safety and Home Insurance: How to Reduce Risks and Stay Covered

Home fires are a leading cause of insurance claims. Protect your home and ensure coverage with these tips:

Fire Prevention

- Install and maintain smoke alarms on every floor - Keep fire extinguishers in key areas like the kitchen - Avoid overloading electrical outlets - Store flammable materials safely

Regular Maintenance

Inspect wiring, chimneys, and heating appliances annually. Clean dryer vents to prevent lint buildup, a common fire hazard.

Insurance Coverage

Review your homeowner’s policy to confirm coverage for fire damage, including rebuilding costs and temporary living expenses. Consider adding coverage for high-value items.

Emergency Preparedness

Create a fire escape plan with multiple exit routes. Practice it regularly with your household. Keep a list of emergency contacts and your insurer’s information handy.

Proactive fire safety reduces risks and ensures your insurance claim process goes smoothly if the worst happens.